that has been the experience within medicare. the drug benefit as well. >> johnathan, i'm not one that believes in governing by anecdote positive or negative but how do we find perspective about the implementation of the affordable care act? >> it's really hard, right? we're hearing all of these stories. they come up through the media, stories where they are getting cancellation notices. if you dig in, there are some people who they are going to be left with choices. they may have to pay more for their insurance next year or they won't have the same doctor network. you need to be careful with the stories and know the full context of them. in general you're going to find a lot of these people, the policies they had, they were lousy policies. they didn't like them. most people buying their insurance on their own they don't hold on to their insurance very long. yes, the sticker price of insurance gets more expensive under obama care but then you have subsidies. sometimes they are worth thousands of dollars a year to people. so you h